Business Certificates of Deposit (CDs) | Sunstate Bank
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Certificates of Deposit

Guaranteed Returns, Zero Market Risk

Have extra capital you won’t need right away? Put it to work with a Business Certificate of Deposit (CD) from Sunstate Bank. Whether you’re saving for future investments, payroll reserves, or large purchases, a CD lets you lock in a fixed interest rate - giving your funds a safe, predictable return.

It’s a smart, low-risk strategy to grow your business savings over time.

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Key Benefits

Fixed Interest, Guaranteed Return

Earn a predictable return over the full term - no surprises, no risk.

Flexible Term Options

Choose from a wide range of terms to align with your cash flow needs - from short-term (3 months) to long-term (5 years).

Ideal for Idle Funds

Perfect for capital you don’t need immediate access to - such as reserve funds, tax set-asides, or project budgets.

Zero Market Volatility

Unlike stocks or bonds, CDs aren’t impacted by market changes - offering total peace of mind.

FDIC Insured

Protect your principal and interest up to $250,000 per ownership category.

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Is This Right for Your Business?

Business CDs are great for:

  • Companies with surplus cash not needed for daily operations
  • Nonprofits setting aside donations or grant reserves
  • Firms seeking low-risk investment vehicles
  • Any business that values guaranteed growth over time

Why Businesses Choose Sunstate CDs

  • Competitive rates tailored to your term and deposit amount
  • 25+ years serving South Florida’s business community
  • Personalized service and financial guidance
  • Multilingual support: English, Spanish, and Portuguese
  • Voted Miami-Dade’s Favorite Bank - 2023 & 2024

Account Snapshot

Minimum Opening Deposit $1,000
Interest Rate Fixed - varies by term and amount
Early Withdrawal Penalty Yes - varies by term length
Monthly Fee None
FDIC Insurance Up to $250,000

Lock In Your Rate Today

Talk to a Business Banker or visit a branch in Coral Gables, West Miami, or The Falls to open your Business CD and explore the best term for your goals.

Talk to a Business Banker

*Early withdrawal penalties may apply and could reduce earnings. For full account disclosures, please call or stop into one of our branches. Rate tier information available here. Rates and terms may vary and are subject to change.